How My $2,800 in Annual Fees Saves Me Thousands (Easy Strategy)

[@SledgeIncTeam]

Sheeeesh, I only pay $3630 😮😅 I made it to one of the Capital One lounges in DFW, and it crowded so sadly I've never actually been in one. There was a waiting list so I went to the Centurion lounge.

[@fogrunr5075]

@@SledgeIncTeam 😂😂😂

[@SledgeIncTeam]

​@@fogrunr5075😂😂😂

[@ChaseYokoyama]

$3,630? ! I gotta do my research and get on your level 🤯 lol RIP in the chat. Funny how the Centurion lounge was open

[@SledgeIncTeam]

​@@ChaseYokoyama😂😂

[@98gmill]

Great info Chase👍🏾

[@ChaseYokoyama]

thank you! 🤙🏽

[@Thecreditcardconnection]

Papi!! Thank you for this information! This is the one card that I really want but Capital One doesn’t want me! 🤣 Great breakdown as usual! Take care❤

[@ChaseYokoyama]

Capital One is missing out on a great customer 👍🏽 Thank you Joe Papi! 🤙🏽

[@alohadanica393]

Howzit Chase! Thanks for the great info! 🤙garret

[@ChaseYokoyama]

cheeee you bet Garret! 🤙🏽 Thank you for always stopping by

[@JacobsPointsAndProfit]

I only have 3 out of those 7 cards, but my spreadsheet tells me I pay $2,910 annual fees between my wife and I. As long every card gives you positive value, I don't see why you can't have a ton of annual fee cards

[@ChaseYokoyama]

Agreed on the positive value part! But holy cow $2,910! 🤯 You guys must have all the expensive ones

[@TheValueVoyager]

$4,000+ in annual fees here, and I will probably be well into the $5k range next year 😅😅

[@fogrunr5075]

@@TheValueVoyager OMG 😳😳😂😂😂

[@ChaseYokoyama]

sheeeeesh :😳 I gotta get my numbers up. How much would you estimate you get back in value every year?

[@fogrunr5075]

Chase, that's ridiculous! I only spend.... Ohhhh....$2260.😮😮😂😂😂

[@SledgeIncTeam]

😂😂😂

[@ChaseYokoyama]

Look at us...spending thousands of dollars on mircoplastics 😬

[@fogrunr5075]

@@ChaseYokoyama Yaah! 😂😂😂

[@germananditravels]

Yeah the fees add up but more than pay for themselves if you use them right like you say. And even if you just break even, you can get so much more comfort for the same amount you pay that those parts are harder to quantify.

[@ChaseYokoyama]

yes, very well said. each card has it's purpose and usually justifies their own annual fee

[@Nick-1828]

What were you doing in Lafayette? That’s my hometown and definitely odd to hear someone on KZbin fly into our airport 😂

[@ChaseYokoyama]

no way! my GF had a national karate tournament at the Cajun dome lol. Don't know when I will be back but met some nice people there.

[@Nick-1828]

@@ChaseYokoyama small world! Our airport is pretty small but it recently got upgraded so it looks nicer than it used to. South Louisiana definitely has some nice people and good food. Only downside is the heat and hurricane season 😂

[@ChaseYokoyama]

@@Nick-1828 ya i was surprised by how nice the airport was. the humidity hit me like a truck when I first left the airport. And when I was leaving there was a thunderstorm and the hotel power went out for a little haha.

[@Lifeissorich.]

When you get lifetime platinum are you getting rid of the Bonvoy Brilliant?

[@SC_XOLOs]

I would, and keep the ritz card.

[@Lifeissorich.]

@@SC_XOLOs he doesn't have the Ritz Carlton card. He's probably 9 years away too so who knows the credit card landscape.

[@ChaseYokoyama]

With how the current brilliant card is setup now? Yes. I would get rid of it.

[@ChaseYokoyama]

and yes im a far ways away from the RC 😭 my current estimate says the beginning of 2027

[@atsawinthongsumak57]

From how much you have spent on Amex family, I am not that bad to hold both Chase sapphire reserve and Ritz-Carlton card together then, lol.

[@ChaseYokoyama]

im still on the fence with the CSR but im definitely working towards the RItz Carlton

[@atsawinthongsumak57]

@@ChaseYokoyama I just upgraded from bonvoy boundless couple days ago. I was thinking about downgrading my CSR to cut some fee, but if I stay couple times a year in Marriott properties, it should be fine.

[@jamesv5802]

2x on everything is the best. Chase is the best lol.

[@ascendantP]

You mean Capital One? Lol

[@ChaseYokoyama]

I wish Chase had a 2x on everything card 😅 but I still love em 🫶🏽

[@Dev2088-e3j]

I pay $420 af on 2 cards but I’m def downgrading the one costing $95, not getting any value off that card anymore

[@ChaseYokoyama]

smart move 🧠

[@ExtraGuac007]

Did JP knowledge sell you his old lighting equipment?

[@ChaseYokoyama]

Lol no 😂 Do you think it looks similar?

[@oonchi]

Does the 1.25x point boost for the CSP (or 1.5x for CSR) matter if just transferring to Hyatt? Just wanting to confirm that both options transfer at the same 1:1 to Hyatt?

[@getsugatenshoFTW]

It doesn't matter. 1.25x/1.5x only matters when booking through the portal.

[@ChaseYokoyama]

Just like @getsugatenshoFTW mentioned, it does not matter when transferring to Hyatt. And yes Chase transfer to Hyatt at a 1:1 ratio.

[@Fish4Points]

That's crazy on how much AF's but as long as you're getting value that's what matters. I have the Marriott Brilliant Card got it in August 2024 but they told me I will not get my FNC until August 2025 after the 2nd AF post so to get value from the Marriott card you need to use that FNC for a cash stay of at least $700 due to 2 AF's is 1300 then minus 600 for dinner credits puts you at $700 since you don't get the FNC right away

[@ChaseYokoyama]

not getting the FNC is a bummer. But people also take the SUB into consideration for the first year value as well.

[@billwright2176]

You cant put a price on good service with Walmart +

[@ChaseYokoyama]

good service like from in store or online?

[@franciscomontilliano4721]

I pay $120 dollar annual fees lol 💵

[@ChaseYokoyama]

thats an odd number. im curious what cards do you have?

[@joeysok2366]

Chase if I have a body that can handle Dunkin Donuts like you I would mind to hold on my gold card 😂. I can’t justify the annual fee. My us bank altitude reserve earn more points than the gold card and only $75 annual fee.

[@ChaseYokoyama]

😭 itll be that much more embarrassing when I get diabetes and im skinny.